Cheapest Car Insurance in Oklahoma

We’ve collected cheap rates for drivers in Oklahoma. Auto insurance companies can consider age, credit scores, gender, marital status, type of vehicle (model, make and year), ZIP code, driving history and number of accidents when writing policies for Oklahoma residents, according to the Oklahoma Insurance Department.¹ Keep reading for cheap car insurance companies in Oklahoma, for everyone from young drivers to seniors.

Gender

• Males: GEICO, $351
• Females: GEICO, $351

Marital Status

• Single: AAA, $1,941
• Married: State Farm, $984

Coverage

• Full coverage car insurance: GEICO, $1,003
• Minimum coverage car insurance: GEICO, $240

Driving Record

• Clean driving record: GEICO, $351
• Speeding ticket: GEICO, $1,257
• At-fault accident: American Farmers & Ranchers Mutual, $1,446
• High-risk driver: Mercury, $1,796

Credit

• Excellent: GEICO, $351
• Poor: Farm Bureau, $2,112

Age

• Teens: American Farmers & Ranchers Mutual, $1,953
• 20s: USAA, $1,438
• 30s: GEICO, $351
• 40s: State Farm, $883
• 50s: GEICO, $333
• 60s: State Farm, $798
• 70s: GEICO, $335

Military

• Current military personnel: USAA, $642
• Veterans: USAA, $642

Ask for quotes from multiple insurance companies to find out the lowest premium available to you. Don’t forget to see which discounts may apply to you for even more savings.

Choose from these companies, the best car insurance in Oklahoma:

• Allstate
• Farmers
• State Farm
• USAA

1. Take an approved accident prevention course: Oklahoma requires auto insurance companies to provide discounts to drivers who complete approved accident-prevention driver courses with at least six hours of instruction. The discounts will last for three years. Drivers may complete the same course for additional renewals of the discount. However, the discount would not apply if the course is court-ordered because of DUIs or motor vehicle violations.
2. Keep your driving record clean: Insurers see drivers with no infractions on their records as having a lower risk than drivers with histories of incidents, such as speeding tickets, DUIs and hit-and-runs in Oklahoma. Being classified as a low-risk driver means you pay lower premiums.
3. Pick an affordable insurance company: Each auto insurer follows its own pricing model, which means varied auto insurance rates for the same coverage. Shop around to see which company will provide you with the best coverage for the lowest price.
4. Park your vehicles under cover: Some auto insurance companies provide a discount if you park your cars in garages or carports regularly, especially given Oklahoma’s common weather events like strong winds and hailstorms.²
5. Purchase a safe car: Many auto insurance companies give discounts for vehicles with safety features, such as daytime running lights and antitheft devices.
6. Consider usage-based insurance: Usage-based insurance is based on the number of miles you drive per year, a good option if you carpool, work from home or have a short commute. Some insurers provide discounts if you use a mobile app or monitoring device while driving to record your behavior behind the wheel. These tools capture braking, distance, acceleration and speed to analyze your driving habits, which could qualify you for discounts.
7. Bundle your coverage: Combining homeowners or renters insurance with your auto insurance can net you savings on premiums.

Here are the requirements in Oklahoma for car insurance:

• $25,000 per person and $50,000 per accident of bodily injury coverage
• $25,000 of property damage coverage

However, these amounts likely won’t be enough protection in case of an accident. Overall, we recommend carrying a minimum of 100/300/100:

• $100,000 per person and $300,000 per accident of bodily injury coverage
• $300,000 of bodily injury coverage per accident
• $100,000 of property damage coverage

In addition to raising the limits for liability insurance, add the following coverages for more protection:

• Comprehensive coverage: Comprehensive coverage will reimburse you for repairs or replacements due to theft, vandalism and weather damage from tree limbs, flood, fire or hail, to name a few examples.
• Collision protection: Collision protection covers car damage due to collisions with other vehicles. Both comprehensive and collision will only pay the actual cash value of your totaled vehicle. The actual cash value means what your car is worth in its post-collision condition or what you could reasonably expect to sell it for today.
• Medical payment protection: Medical payment policies cover your and your passengers’ medical expenses because of an accident.
• Uninsured/underinsured motorist: Uninsured and underinsured motorist coverage provides protection for your property damages and medical costs if a driver with no insurance or not enough insurance hits your vehicle.
• Gap insurance: Gap insurance pays off the remainder of your car loans for totaled vehicles.

Certificate of Self-Insurance

Oklahoma allows residents to apply for certificates of self-insurance if they own more than 25 vehicles registered in the state.³ Residents must prove their ability to pay property damages and bodily injuries as self-insurers.

Proof of Financial Responsibility

Also, the state allows you to file proof of financial responsibility with the Department of Public Safety (DPS) provided you meet the following requirements:

• A cash deposit of $75,000 with the DPS
• A valid certificate of deposit of $75,000 issued by a bank or other financial institution in Oklahoma

The department will issue you a certificate of deposit as proof of insurance and use your deposit to pay any claims or judgments against you for any accident you cause.

Oklahoma Automobile Insurance Plan

If you can’t find auto insurance because of a high-risk driver classification, contact Oklahoma’s Automobile Insurance Plan (OAIP). Created in 1950, this plan aims to provide auto insurance coverage to Oklahoma residents who could not obtain policies via the marketplace. In Oklahoma, any insurance agent with a valid state property and casualty license can write business through the OAIP.

For more information, contact the OAIP:

• Mail:
  • Oklahoma Automobile Insurance Plan
    PO Box 6530
    Providence, RI 02940-6530
• Phone: (405) 842-0844 or (866) 667-2827
• Email: okaip@aipso.com
• Website: https://www.aipso.com/ok

For the state’s Department of Public Safety, Service Oklahoma handles everything related to your vehicle or driver’s license, including vehicle registration, titling, suspensions, reinstatements, motorcycle endorsements and disability placards.

• Mail:
  • Service Oklahoma
  • PO Box 11415
  • Oklahoma City, OK 73136-0415
• Email: info@service.ok.gov
• Phone: (405) 522-7000, Monday-Friday, 8 a.m. to 5 p.m.
• Website:
  • General info: https://oklahoma.gov/service.html
  • Service Oklahoma locations: https://oklahoma.gov/content/service-oklahoma/us/en/locations.html

As a Sooner State resident, you have choices for insuring your vehicle. By customizing your options, you’ll find ways to save and still get the coverage you need. Investigate your options thoroughly, such as private insurance companies, self-insurance or the Oklahoma Automobile Insurance Plan. Find out more about Oklahoma car insurance through our frequently asked questions.